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Mortgage calculator

Compare the best mortgage rates and deals

Compare today’s live mortgage rates from our lender panel. The interest rates you’re shown are an indication only; to understand your eligibility, create a free Tembo plan for a personalised recommendation and seek mortgage advice.

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Compare over 20,000 mortgage products from over 100 lenders.

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LTV: 90.00%

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Top picks from

84 mortgage deals

Virgin Money

35 years

5 years fixed

Repayment

£1,084

Monthly cost

4.64%

Interest rate

£65,860

Cost over 5 years

Check eligibility

More info

Virgin Money

35 years

5 years fixed

Repayment

£1,084

Monthly cost

4.64%

Interest rate

£66,060

Cost over 5 years

Nationwide BS

35 years

5 years fixed

Repayment

£1,084

Monthly cost

4.64%

Interest rate

£66,064

Cost over 5 years

Virgin Money

35 years

5 years fixed

Repayment

£1,091

Monthly cost

4.69%

Interest rate

£66,483

Cost over 5 years

Barclays Bank

35 years

5 years fixed

Repayment

£1,094

Monthly cost

4.71%

Interest rate

£66,656

Cost over 5 years

HSBC

35 years

5 years fixed

Repayment

£1,093

Monthly cost

4.71%

Interest rate

£67,107

Cost over 5 years

HSBC

35 years

5 years fixed

Repayment

£1,093

Monthly cost

4.71%

Interest rate

£67,107

Cost over 5 years

Virgin Money

35 years

5 years fixed

Repayment

£1,097

Monthly cost

4.73%

Interest rate

£66,521

Cost over 5 years

Virgin Money

35 years

5 years fixed

Repayment

£1,097

Monthly cost

4.73%

Interest rate

£66,821

Cost over 5 years

Virgin Money

35 years

5 years fixed

Repayment

£1,097

Monthly cost

4.73%

Interest rate

£66,321

Cost over 5 years

Virgin Money

35 years

5 years fixed

Repayment

£1,097

Monthly cost

4.73%

Interest rate

£66,821

Cost over 5 years

HSBC

35 years

5 years fixed

Repayment

£1,098

Monthly cost

4.74%

Interest rate

£66,511

Cost over 5 years

HSBC

35 years

5 years fixed

Repayment

£1,098

Monthly cost

4.74%

Interest rate

£66,511

Cost over 5 years

HSBC

35 years

5 years fixed

Repayment

£1,098

Monthly cost

4.74%

Interest rate

£65,261

Cost over 5 years

HSBC

35 years

5 years fixed

Repayment

£1,098

Monthly cost

4.74%

Interest rate

£65,261

Cost over 5 years

Virgin Money

35 years

5 years fixed

Repayment

£1,100

Monthly cost

4.75%

Interest rate

£65,996

Cost over 5 years

Nationwide BS

35 years

5 years fixed

Repayment

£1,100

Monthly cost

4.75%

Interest rate

£65,996

Cost over 5 years

Barclays Bank

35 years

5 years fixed

Repayment

£1,101

Monthly cost

4.76%

Interest rate

£67,079

Cost over 5 years

NatWest

35 years

5 years fixed

Repayment

£1,104

Monthly cost

4.78%

Interest rate

£66,995

Cost over 5 years

NatWest

35 years

5 years fixed

Repayment

£1,104

Monthly cost

4.78%

Interest rate

£67,245

Cost over 5 years

What should your mortgage be compared to income?

Typically, lenders like banks and building societies will let you borrow between 4 to 4.5 times your household income for a mortgage. However, some people can borrow more than this, for example with a 5.5x Income Mortgage or Professional Mortgage you could borrow up to 5.5 or even 6.5 times your income. But you should make sure to not overstretch yourself when borrowing a mortgage loan. Ideally, the monthly repayments on a mortgage should account for no more than 30-40% of your take home pay.

How will interest rates affect my mortgage calculator result?

Your mortgage interest rate is the money you pay a lender in return for them lending you the money you need to buy a property. Interest rates are calculated as a percentage of your total mortgage loan. If you take out a mortgage with a higher interest rate, the amount you pay each month will be higher. However, it can be difficult to know if interest rates will go up or down, and often it’s better to get on the ladder sooner rather than renting for longer as property prices can increase, which could price you out of buying even if rates do drop.

Who is offering the best mortgage rates in the UK?

Which lender is offering the best mortgage rates depends on what deals and rates you’re eligible for. Each mortgage product has different eligibility criteria, so you may not qualify for all deals, and the rate you’ll be offered is based on your individual affordability. Plus, banks and building societies often change their rates multiple times a month, so the lender offering the best mortgage rate one week could be entirely different the week after. To see which banks are best for you and your situation, work with a mortgage broker to understand your options.

Need help accessing better mortgage rates?

If you’re struggling to get on the ladder, or need help boosting your affordability, you’re in the right place. At Tembo, we specialise in helping buyers boost their buying potential so they can buy sooner. In fact, on average our customers increase their budgets by up to £82,000. Create a free Tembo plan to see what you could be offered.

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Confused about how to buy your first home? Read our mortgage guides below, or create a Tembo plan to book in a free chat with one of our experts.

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